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Written by Amelia Watts. Tuesday, 07 August 2007 21:33. House Repossessions have increased by 31%. Shocking Statistics Just Released. It would appear that the recent hikes in interest rates have been hitting home owners hard. 77 houses are being repossessed every day in the UK and this would mean a staggering 27100 households potentially homeless this year. This is a huge increase on the same time last year and the largest rise seen since 1997. Last Updated on Friday, 24 August 2007 03:27. My Third Party...

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Trust Deed FAQ | FAQs

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Wednesday, 05 September 2007 00:24. Applies to Scotland only. What is a Trust Deed? Can I do this on our own? Who deals with my Creditors? Can anyone apply for a Trust Deed? What is the minimum debt allowed before I can enter in to a Trust Deed? Does every Creditor have to agree to the Trust Deed? How long will the Trust Deed last? Are all of my Creditors bound by the Trust Deed? How do I prevent Court Action (also known as Diligence) being taken out against me? Who pays for the Trust Deed? Are all of my...

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Bankruptcy FAQ | FAQs

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Saturday, 28 July 2007 15:08. How do I declare myself Bankrupt? Will I lose my home? What happens if I inherit money or have a windfall? Will I lose my job through Bankruptcy? What happens to my Bank Account and Credit Cards? Who will find out about my Bankruptcy? Can one of my Creditors make me Bankrupt? I have a car on finance; what will happen to it? Can I apply for further credit whilst Bankrupt? What happens about my bills? How do I declare myself Bankrupt? Will I lose my home? Your Bank, Store Card...

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Finding Finance | Money Management

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Thursday, 09 August 2007 20:20. Where can you find affordable finance when you have a poor credit history? There are many options open to you but it is important that you think carefully about taking on any form of credit if you have just come out of an IVA or Bankruptcy. On the high street you will find a mix of retailers willing to give anyone credit but (and yes there is a big but here) at what price? CU) Most towns have one which you can become a member of to access low cost loans after a 13 week qua...

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Trust Deed | Dealing with Debt

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Tuesday, 04 September 2007 23:59. Applies to Scotland Only). A Trust Deed is a formal agreement between a Debtor and their Creditors. To enter in to a Trust Deed it is necessary to instruct an Insolvency Practitioner to act on your behalf. The Insolvency Practitioner acts as your Trustee and will liaise with all of your creditors. Once the Trust Deed has been Protected it will be advertised in the Edinburgh Gazette. Finally it should be noted a person entering into a Trust Deed can not continue to trade ...

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Reclaim Bank Charges (While on Benefit) | Reclaiming Money

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Reclaim Bank Charges (While on Benefit). Sunday, 12 August 2007 07:18. As most people will now be aware, in July 2007 the Office of Fair Trading agreed with seven major high street banks to a test case to determine the legality of bank charges. This effectively has put all claims on hold until the case is decided. However, there is an Act of Parliament which over-rides this if you are in receipt of any of the following benefits. So if you have been charged by your bank now is the time to fight back!

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House Repossessions | News

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Tuesday, 07 August 2007 21:33. House Repossessions have increased by 31%. Shocking Statistics Just Released. It would appear that the recent hikes in interest rates have been hitting home owners hard. 77 houses are being repossessed every day in the UK and this would mean a staggering 27100 households potentially homeless this year. This is a huge increase on the same time last year and the largest rise seen since 1997. Last Updated on Friday, 24 August 2007 03:27. Third Party Debt Order.

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Warrant of Execution FAQ | FAQs

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Warrant of Execution FAQ. Monday, 13 August 2007 05:11. What is a Warrant of Execution? Why can my creditor take this action? Who actions such an order? How can I stop this action? I can not afford to pay what they are claiming - what can I do? I do not own the property in my rented flat. Can they still remove these items? Will I get any monies returned if they sell my things for more than what is owed? Can they take my car as it is still on finance? How long does a Warrant of Execution last for? The act...

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Individual Voluntary Agreement | News

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Friday, 31 August 2007 05:01. In the 2nd quarter of 2007 the number of people who entered in to Individual Voluntary Agreements dropped by 15.1%. This is almost certainly due to the growing number of creditors demanding higher dividends. Most banks are now requesting 55 pence in the pound. One bank in particular has been incredibly unhelpful by refusing to vote for an Individual Voluntary Agreement; this in turn is forcing a growing numbers to declare Bankruptcy. Why has one lender taken this stance?